Showing posts with label Press Release & Guest Post. Show all posts
Showing posts with label Press Release & Guest Post. Show all posts

Monday, October 26, 2020

Top 5 Tips for Dealing With Child Custody This Holiday Season

It's the -ber months and y'all know what that means. It's Christmas! Well, technically, we still have a slew of holidays like Halloween, All Soul's Day, my birthday (hehe), Thanksgiving (if you do that), Black Friday sale (haha) before Christmas. But we Filipinos have started putting up the Christmas tree so it's officially the holidays! Today's guest post is all about a tough issue many Pinoy families go through - when parents are separated, where do the children spend their holidays?

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GUEST POST - The holidays can be a stressful time for any family. If you’re in a situation with separated or divorced parents, that stress can become unbearable. While you may not be overly happy about having to share child visitation rights with your former partner, there are some tips that can make dealing with child custody this holiday season easier for you and for your children

1. Plan two holidays.

If you and your former partner are near enough to each other and logistics allow for it, you might consider planning two holidays so your children don’t have to choose between you. Inviting your extended family, your kids' friends, and making the event feel as normal and loving as possible will make it so that your children won’t feel as though they have been left out of one parent’s life. The exact date of the holiday matters less than the idea of celebrating with their family, no matter what the date.

2. Include those not physically present.

If you and your former partner live too far away for two holidays to work, then you should be proactive in ensuring that your child doesn’t feel abandoned or as though they have chosen one of you over the other. This can be done by sending packages in advance to give to your children on the day of, keeping traditions from when you and your partner were together so that your children can still feel connected to holidays past, and planning phone calls or video chats with the other parent. The important thing is to prioritize your children's emotional well-being, even if you and your former partner would prefer to never speak to each other again.

3. Split holidays fairly.

If you were able to have the kids for Christmas, then you should be willing to allow your former partner to have them over on New Year's Eve. This allows your children to have that special time with their other parent and ensures that any acrimony between you and your former partner isn’t increased by the impression that one or the other of you is trying to monopolize your children's’ time. This may be difficult, especially if you have a combative or nasty relationship with your former partner, but your family can help to keep things on an even keel and ensure that your children have the best holidays possible.

4. Keep each other in the loop.

Many separated couples have greater difficulty around the holidays because they aren’t honest with each other about their hopes and needs around the holiday season. Not every former couple will be able to deal with each other openly and honestly, of course, but even if you have a terrible relationship with your ex it is best to keep them in the loop about your holiday plans with your children. This will ensure that you don’t unintentionally step on each other’s toes and are able to plan around your ex’s holiday plans - and they around yours.

5. Get together.

If the acrimony over the separation has passed and you feel you are able to deal with each other civilly, there is no reason why you can’t plan a get together that includes all parts of your children's’ family. This isn’t an option for everyone, of course, but showing your children that they don’t have to feel torn between the different parts of their family goes a long way to helping them in their emotional journey.

There are no easy solutions when it comes to child custody over the holiday season, and none of these possible arrangements are right for every family. Still, with grace and maturity, you will be able to find ways to make it so your children have the best holidays possible.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com. 

Thursday, October 22, 2020

How to promote yourself as a transcriptionist for remote transcription jobs

As a journalist, I've interviewed many celebrities, business leaders, and society mavens. I love talking with them and getting them to spill their secrets. My not-so-favorite part, however, is transcribing the interviews. Totally hate my voice! So I was amazed to find out a few years ago that transcribing is a real job. As a freelancer now, I'm a member of a few Facebook groups for freelance agents. I thought I'd find writers and editors like me. I found that there were more virtual assistants, social media managers, and transcriptionists in these groups. Today's guest post is all about transcriptionists, in case you're a working woman who'd like to try out this career. Good luck!

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GUEST POST - In remote transcription jobs, the client will send the files to the freelancer (that's you). You can start transcribing at your own convenience, working to make sure you meet the deadline you and your client decided on. Sounds easy but if you want to become an established freelance transcriptionist, it is important that you start marketing yourself and the services that you offer. Without advertising your skillset properly, it becomes extremely difficult for you to start gaining assignments. A freelance transcriptionist might also face difficulties in finding the clients and building their network too without proper marketing skills. 

You can learn more on the techniques that could help you to market yourself as a transcriptionist, especially for remote freelance transcription jobs at dormzi, by following these tips:

1. Come up with a brilliant resume.

Every freelance transcriptionist planning to market herself and her services to attract more projects is must start with a compelling resume.

You don't have to include every detail of your professional history. Just put the details that are related to the skill sets required for the transcription job, and highlight them. It's also a good idea to create your own website. Make sure you use the most significant keywords that are used to search by the clients when they are looking for freelancers in the transcription industry. 

When your profile is aligned with the keywords that are being searched, it becomes easy for the clients to discover your profile. With this, the chances of getting remote job assignments would increase drastically. 

Don't forget your contact details because this is how the client will get in touch with you in case you get the job. 

2. Build your resume on a professional media network.

There are many professional media networks that are made exclusively for people looking for assignments in the freelance industry. You can either choose to upload the same resume on your website or you can create another resume for these professional media network channels. Start building your own network.

Remember to use the most significant keywords used by clients when they are looking for freelancers in the transcription industry. When your profile starts getting more views on these forums and platforms, you get more chances of potential clients striking a conversation with you regarding the assignment related to transcription. 

3. Start advertisement campaigns.

A lot of transcriptionists highlight their profile on social media websites using the advertisement campaigning feature. This is one of the greatest benefits that can be leveraged through social media in order to positively publicize your services related to transcription.

The campaigning money can be easily recovered once you start getting a lot of deals through legitimate customers. Therefore, this is one of the most important ways that could help you to quickly find remote freelance transcription assignments.

4. Make videos and write blog posts.

Finding remote transcription assignments can become easy if you start making videos and writing blog posts. Post these either on your website or any other websites that accept guest posts. By doing these things, you would be able to showcase your presence in the transcription world. You improve your chances of coming across a potential client that can offer you remote jobs assignments. Start promoting these things in a positive manner and get noticed by the clients quickly.

5. Do not underestimate yourself.

Some freelance transcriptionists might end up losing hope when they do not get assignments the way they have planned. That's why it's important to carefully craft your resume, professional website, and profile on job-seeking platforms. 

Once you start reworking on your resume in order to meet the requirements of the freelance industry, you should be able to get more projects than you expect.

When you start underestimating yourself, you will start thinking negatively, and that can seriously impact the way you work on your assignments. Hence, having a positive attitude at all times is also important when you are planning to get remote job assignments.

These are some of the most important tips and techniques that could help you to quickly get more remote freelance assignments in the transcription industry.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates.

Tuesday, October 06, 2020

What's in an emergency bag? Just get these SAVED by VERSES bags to find out!

There was an earthquake a few days ago. Totally freaked me out. I've lived in our high-rise for a loooong time so I've gone through many earthquakes but this last one scared me because I realized we can't just run out of our building; I have to make sure every child has a mask and face shield on first. Then an evacuation - and the crowds of shaken people - presents its own dangers, too, in the time of the COVID-19 pandemic. 

But Psalm 46*, the chapter on this special bag, says, "God is our refuge and strength, an ever-present help in trouble. Therefore we will not fear, though the earth give way and the mountains fall into the heart of the sea, though its waters roar and foam and the mountains quake with their surging." So we trust in the Lord as we also prepare for emergencies. 

Like this emergency bag called Saved. It's from the brand Verses, a company started by one of my old friends in the blogging advertising world, Jel Directo (congrats, Jel!). Being prepared for an emergency does help us have a tangible reminder of that peace that passes understanding. Read on to learn how to get your own Saved bag.

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Starter 

PRESS RELEASE - Introducing to you a new essential addition to the product line of the Verses brand - not an emergency bag, not a go-bag but a 'saved bag'. As we live in a time of increasing uncertainty, having your own ready bag has become essential now, more than ever. 

Save time and effort in completing your emergency go-bag with our Saved bag. This easy-to-carry and handheld water-resistant backpack provides you with a comprehensive list of items to keep you equipped and ready for any local emergency and calamity.

Standard 

Conforming with the international standard of disaster preparedness kits, our saved bag follows a combination of Red Cross global, Ready Campaign by the US Department of Homeland Security, Get Prepared program by the Government of Canada, including a collection of personal interviews and local research.

Visit www.savedbyverses.com for more details.

Stellar 

*The whole chapter of Psalm 46: "God is our refuge and strength, an ever-present help in trouble. Therefore we will not fear, though the earth give way and the mountains fall into the heart of the sea, though its waters roar and foam and the mountains quake with their surging. 

"There is a river whose streams make glad the city of God, the holy place where the Most High dwells. God is within her, she will not fall; God will help her at break of day. Nations are in uproar, kingdoms fall; he lifts his voice, the earth melts. 

"The LORD Almighty is with us; the God of Jacob is our fortress. Come and see the works of the LORD, the desolations he has brought on the earth. He makes wars cease to the ends of the earth; he breaks the bow and shatters the spear, he burns the shields with fire. 

"'Be still, and know that I am God; I will be exalted among the nations, I will be exalted in the earth.' The LORD Almighty is with us; the God of Jacob is our fortress."

*To be featured on Press Release Tuesdays, send it to frances@topazhorizon.com.

Thursday, October 01, 2020

Blender, juicer or food processor? A comprehensive guide on food processors

Whenever I watch cooking shows, I always thought food processors were for serious chefs and blenders were for home cooks like me. That's why I have a blender at home, not a food processor. But my guest post today talks all about why we should add this heavy-duty kitchen appliance for all the useful things it can do for our cooking.

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Crispy Omelette Bites with Spinach Sauce. For the recipe, go to @ounceofoz.

GUEST POST - One of the necessities of man is food. We need food substances to survive and carry out our daily activities with ease. You can consume the likes of fruits in their raw state; however, you have to prepare other meals before consumption. For some, cooking these meals is something they look forward to, while others find cooking takes way too much time and energy. For them, finding an alternative to manual meal preparation will be a welcome idea.

They need to get themselves a food processor pronto. Anyone can enjoy a fantastic cooking experience with the use of food processors. It takes a bit of practice to get to know how to use such appliances, but once you do, meal preparation becomes easy and enjoyable.

Are juicers food processors?

You may be quick to classify a juicer under food processors; after all, it processes fruits. But here is the thing – with juicers, you extract both the liquid and solid substances from a fruit or vegetable. The juicer stores the juice in a separate compartment, and the non-useful parts go to another section to be discarded later. 

On the other hand, a food processor works differently; it merges and refines different food substances at once to get a desired and more edible outcome. There is no addition or removal of the final prepared meal.

Fancy Homemade Pesto Sauce. For the recipe, go to @lettuceromainecalm

Are food processors blenders, just bigger?

Definitely not! Even though food processors and blenders handle an entire range of ingredients you need for a meal, the latter processes these food substances into semisolids, which you can further use to prepare the final food. Just as its name implies – you use the appliance to blend raw food materials. On the other hand, a food processor creates various edible meals based on what you put into it.

What should I look for in a food processor?

The market houses a wide range of appliances, most of which perform a single task per time. Purchasing these items may not be ideal for individuals on a tight budget. Hence, getting a versatile kitchen appliance would be a better option – this is where a food processor comes into play. These processors come in various brands and models, ranging from small, entry-level gadgets to industrial-size appliances. However, they basically perform the same functions: chop, mix, grind, among others.

With food processors, you get value for your money. Each model has additional features that make meal preparation straightforward and convenient. They come with varying price tags that meet all budget sizes. Depending on how often you use this appliance and what you use it for, you can either purchase a cheaper model or a more hi-tech gadget that can handle whatever you put into it.

Homemade almond butter. For the recipe, go to @dannifeinestein.

Welcome to the new age of fast food

How fast and easy it is to prepare your meals when you use a food processor. Imagine the time and energy you will spend dicing an onion by hand and risk cutting your fingers, not to mention the fact that onions irritate the eyes. You won't have to go through literal blood and tears when you use a food processor! So if you're looking to make your time in the kitchen faster, more efficient, and more fun, consider getting a food processor now!

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates.

Friday, August 28, 2020

5 ways to encourage your kids to be more physically active

The last 6 months have seen our kids quarantined in our homes to keep them safe from the novel coronavirus. Unfortunately, kids need sunshine, exercise, and lots of play to be healthy, too. So if you're lucky enough to have a garden or a roof deck, do go out and play there! I live in a condo so it's been tricky. What I do is tell my kids they have to exercise first (and finish their list of art, literary, music activities, plus chores) before they can play on their gadgets. So that's really pushed them to work out!

But today is the weekend! We can go to our condo's amenities deck and play there! Today's guest post offers 5 other ways to encourage kids to be more physically active.

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GUEST POST - There are invaluable benefits that your children can receive from regular exercise. Physical activity is crucial for your child’s health and development, but in the social media world we live in, your kids may be more interested in their news feed than getting outdoors and taking up a hobby or sport.

As parents, we want to do what’s best for our children, so if you’re concerned about their behavior, weight, or general wellbeing, here are 5 ways to encourage them to be more physically active.

1. Find Fun Activities

If your child doesn’t enjoy a particular activity or sport, the chances of them sticking to it are slim. It’s important that they find something that stimulates their brain and keeps them entertained. Otherwise, they are more likely to throw a tantrum, which no parent wants to deal with. There are tons of hobbies and sports that your child can partake in, such as swimming, tennis, and baseball. If your child loves to play baseball, installing fencing will keep your neighbors happy

2. Make Time for Exercise

If your children are of school age, it’s likely that they have a mountain of homework and other planned activities to adhere to, but that’s not to say that they shouldn’t exercise as well. Scheduling time for physical activity is crucial, regardless of how busy their schedule is. Children need time to get outdoors and play, so if they’re spending the majority of their day indoors, putting other things on the back burner and letting them have breaks is a good idea. This is extremely important for their mental health and wellbeing.

3. Get Rid of Distractions

Whether you like it or loathe it, social media is used by many children across the country. While there are some benefits to social media, if left to their own devices, children will spend every waking hour behind their smartphone or tablet. Distractions like the TV and computer emit blue light and can have a negative effect on your children, such as difficulty getting to sleep and mood swings, so switching off the TV and eliminating distractions at various intervals is key.

4. Set a Good Example

You can’t expect your kids to be physically active if you’re not doing so yourself. Children pick up on their parents’ patterns of behavior, so if you’re preaching about the benefits of regular exercise but are lounging around the house, this will set a bad example to your kids. Children who see their parents regularly participating in sports and physical activity are much more likely to try it out themselves. There are lots of activities that you can do as a family, which can be a great opportunity to bond with your kids, as well as reap the health benefits of exercise.

5. Speak to Your Child’s Doctor

If you’re struggling to get your child motivated to exercise, it may be wise to book an appointment with your child’s doctor. They will have a better knowledge of what sports and activities are suitable for your child, as well as what strategies you can implement in your home life to get them interested in physical activity. Don’t be afraid to ask for help, especially if you have major health concerns about your child’s weight, as your doctor is there to help you, rather than judge.

Regular physical activity can be a great opportunity for your kids to socialize with others, improve their fitness, and boost their concentration levels. All children can benefit from regular exercise, so while it may be hard to motivate them at first, as long as your kids find hobbies and sports that they enjoy, you will notice a huge difference in their behavior and health.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates.

Wednesday, August 26, 2020

5 ways we can help elderly family members

This guest post is helpful but during the pandemic, we're prevented from seeing loved ones. It's for their own good. Please let's refrain from visiting our elderly family members to keep them safe from the COVID-19 disease. We can use technology instead to maintain a meaningful relationship with our senior loved ones. Be safe, practise social distancing, and stay home!

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GUEST POST - For many of us, family comes first before anything else. The aging process is inevitable, so doing everything you can to support your loved ones as they enter their senior years is important. As your parents get older, they may require more help and assistance, and you’ll want to know how to act and what strategies to take. With that in mind, here are 5 ways in which you can help elderly family members.

Empathize with Your Parents

As your parents get older, you may be startled by their frustration, change in behavior, or neediness. There may be some instances where they’re very unpleasant to be around. However, you need to be empathetic towards their situation and understand that they may be acting out of fear, rather than a personal attack on you. Aging is a series of losses, such as health and wellbeing, employment, and independence, so try and put yourself in their shoes, which can help you know what action to take.

Keep in Regular Contact

If you live nearby your elderly parents, popping in regularly and seeing how they’re doing can make all the difference. For those who live further away, there are lots of ways that you can keep in touch, such as by using video conferencing tools like FaceTime, Facebook Messenger, Viber, or Zoom.

As your parents head into their senior years, your interaction may be the only one they receive that day, so it’s important that you maintain regular contact. We all live busy lives, so it’s advised to set a reminder on your smartphone so you can check how they’re doing. 

Get Other Family Involved

If you have siblings, it’s important that you share the responsibilities of looking after your elderly parents. Effective communication is critical among family members, especially if your parents require additional support and assistance. Having a close circle around you can help reduce stress levels and be a good opportunity to let off steam. Seeing your loved ones decline in health can be heartbreaking, so having other family members who can be a shoulder to cry on is important. If your siblings live nearby your parents, they can keep you regularly updated on how they’re doing, which can bring you peace of mind.

You can also ask your parents' neighbors to check on your parents every day. Maybe they can play cards together, start a gardening hobby and grow vegetables together, or watch a favorite show at each other's houses.

Seek Out Potential Problems

When visiting your parents’ home, there may be repairs or changes that need to be immediately addressed. The last thing you want is to return to your own home and be worrying about your parents’ health and safety, so make sure that you look out for uneven flooring and ensure essential items are within arm’s reach.

Many elderly family members want to hold onto their independence for as long as possible, so make sure you tell them that you’re trying to help, rather than being a hindrance. Should your parents have a fall because of uneven flooring, you will never forgive yourself for not acting sooner, so seeking out potential problems and rectifying them is key. 

Encourage Physical Activity

Many aging parents tend to shy away from the outside world, which can have a huge impact on their health and wellbeing. We all know how important regular exercise is for our mind and body, so encouraging your parents to get out and about is crucial. If your parents struggle with their mobility, there are very heavy duty mobility scooters that can help them get around with ease. There are tons of light exercises and activities that your senior parents can take up, like yoga, walking, and stretching, which can boost their mindset for the better.

If your parents’ health is starting to decline once they enter their senior years, it can be hard to see them struggle in front of your eyes. Being there for your elderly family members and supporting them in the best way you can ensure they lead a good quality of life. 

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates. Photo by Sabine van Erp from Pixabay

Monday, August 24, 2020

5 best U.S. states for starting a small business

I've been checking out the immigration policies of other countries. It seems like one of the most guaranteed ways of getting permanent residency in any country is to put up a business there. It's not cheap, of course, but I can see why governments want new businesses to be pumped into their economy. This guest post is a list of the 5 best states in the United States that you can start a small business in. Good luck!

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GUEST POST - If you’ve been considering starting a small business, we’re here to tell you that it pays to do your research first. Yes, you can set up in any state in the country, but some states are much more favorable than others when it comes to things like taxes. Some states also have declining populations and economies which make starting a business in them a pretty poor idea. For a state to be positive, it needs to be flourishing, both economically and socially. Using research performed by Seek Capital, we are going to show you the top five states to start a small business and explain why each is a good choice.

1. Utah

At the top of the list is Utah. Venture capital flows freely in this state with just over 100 companies receiving $1.16 billion in funding in 2019. This is the fifth best in the country. In addition, the growth rate of companies in the state and the number of employees taken on by companies in Utah is higher than average. Of course, what most people are interested in is the tax savings they can make should they move to Utah. This varies depending on whether you have an LLC or a corporation – with LLCs able to post their losses on members’ private tax returns. However, the low corporate income tax rate of 4.95% is certainly attractive.

2. Texas

Nicknamed the Lone Star State, Texas is the second most populated state in the country and is also one of the best states for starting a small business. Especially well known for its crude oil industry, this state is also home to a lot of tech startups, especially in the cities of Houston, Austin and Dallas. Starting a company in a state such as Texas is also relatively simple, making it a top choice for those new to entrepreneurship. With affordable living and property, a surging GDP, a strong working population, and good weather year-round, Texas is a top choice.

3. Florida

Florida may be a top state for retirees, but it’s also one of the best for those who want to start a travel company. The glorious year-round weather, a low top marginal income tax rate, and a lack of state income tax for individuals all combine to make this state a great contender for new entrepreneurs. What’s more, a good percentage (18.8%) of businesses are able to get up and running for under $5,000 in Florida. It is perhaps this that led to Florida having the largest number of new entrepreneurs in 2019.

4. Colorado

For those who want to get away from the heat, Colorado is an enticing option. Economically a great choice, the working population in the state has grown by 7% over the last five years, and its GDP growth is also higher than average. In addition, over 80% of businesses that start up in Colorado are still active a year later. The state ranks as the tenth best in the country for corporate tax rates, and a high number of jobs tend to be created by those starting up in the state. If you love the mountain air, and want to launch a new company in 2020, Colorado is certainly a worthy choice.

5. California
Finally, we have California. Full of big name companies like Facebook, Google and Apple, California is a great choice for tech companies, but entrepreneurs in other industries as well. 99.8% of the businesses in California are small, yet they’re certainly mighty and employ over 7 million people between them. And, while there is quite a bit more red tape in this state than others, and the corporate income tax rate is higher than almost all over states, the five year survival rate of businesses is higher than average. Although possibly not as impressive as the four proceeding it, it’s still a good option to consider.

Which state are you planning to start a small business in?

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates.

Friday, August 21, 2020

5 ways to amplify your morning routine

Next week, we go back to some semblance of a normal life: School starts! It's still not the school we're used to but, hey, after 5 months in quarantine, back-to-school puts back some structure in our lives. This means we need to take control of our mornings, take them back from the lazy limbo it's been for nearly half a year. So when this guest post popped up in my inbox, I took it as a sign from the universe telling me to get with the program! 

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GUEST POST - From the moment you wake up, it’s important that you’re full of energy, drive, and motivation for the day ahead. Whether you have a long day at the office to endure, or a mountain of household chores, your morning routine can be the difference between staying focused and losing concentration. To help give you the boost you need, here are five ways to amplify your morning routine.

Embrace the Morning Light

Instead of laying in bed and staying in the dark, make sure you embrace natural light which can start your day off right. Once the sun rises, it can brighten your mood, improve your performance on tasks, and enhance your perception. When exposed to natural light, your skin will absorb Vitamin D which can prevent bone loss and reduce the risk of weight gain. Getting outdoors in the morning and being in the fresh air can also do wonders for your wellbeing. 

Drink a Cup of Coffee

It’s important that you’re full of energy and drive in the morning, so what better way to kick off your day than by having a cup of coffee? Coffee can boost your physical performance, help you burn fat, and most importantly, boost concentration levels. If you have a Nespresso machine, there are over 30 types of capsules to choose from depending on your preference and taste. While there are lots of benefits that caffeine can give you, it’s advised to stick to drinking coffee in the morning only, otherwise, you may have difficulty getting to sleep at night.

Set Goals

If you wake up in the morning feeling confused and disorientated, it can be hard to gain focus for the day ahead. Setting achievable goals can boost your motivation and give you something to work towards. Whether it’s tackling a project at work, or completing day to day errands, having things to accomplish can get you in the right mindset and help get your morning off to the best start possible.

Meditate

If you’re the type of person who wakes up feeling anxious and tense, the thought of doing anything can fill you with dread. However, there are lots of relaxation techniques that you can practice which can help you feel calm and collected, ensuring your morning and day ahead run smoothly. Meditation helps to calm your nervous system, optimize your circulatory system, focus your energy, and boost your immune system. The main purpose of meditation is to reduce stress, pain, and anxiety, so waking up a little earlier and taking 15 minutes to meditate can make all the difference.

Exercise

Getting your mind and body psyched up for a busy day is important, so taking some time to do physical activity is key. A morning workout can make you stronger and healthier, as well as increase your longevity. While it can be difficult to find the energy for exercise once you get out of bed, you will soon notice an improvement in your mental and physical health. Working out in the morning can increase alertness, give you more overall energy, and get you in a better mood, so whether you head to the gym, or perform a workout from the comfort of your home, making exercise a priority is important. 

All the strategies above can transform the way you think and help get your morning off to a good start. If you’re the type of person who wakes up feeling groggy and sluggish, using any of the tips above can increase productivity levels and help you get the most out of your day.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com. 

Monday, August 03, 2020

Reverse mortgages - can you walk the talk?

I was talking to some loved ones about mortgages. Because of the COVID-19 pandemic, they lost their main source of income and are now looking for other income streams because they have to pay the mortgage on their beautiful new home. So when this guest post about reverse mortgages showed up in my inbox, I figured it may interest many people. Unfortunately for us living in the Philippines, I don't know if it applies but for my readers in the United States, read on!

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GUEST POST - Although people look forward to retirement while they're working, nothing hits harder than getting to the point of retirement and still not having enough money. Many people turn to personal loans or remortgaging their homes to solve this problem, but neither of these is advisable because the last thing you want during retirement is a commitment to years of recurring debt. There are also grave consequences should you miss a payment, such as a foreclosure or eviction - something you don't want to face in your senior years.

A far better alternative is a reverse mortgage, as you are able to take advantage of the full amount of the loan without being under any pressure to repay it until the loan comes to an end. Sound too good to be true? Let me break it down for you.

What exactly is a reverse mortgage?

Where you would have paid a monthly predetermined amount towards the settlement of the total amount of your loan if you had taken out a regular loan, a reverse mortgage works differently. You can take advantage of this long-term loan and enjoy access to the money, as long as you stay in the house to which the loan is bonded.

HECM - where does that come in?

These four letters are quite simply an acronym for a home equity conversion mortgage. The difference between that and a reverse mortgage is that a HECM is issued by a state agency. This means that the state-issued loan comes with government-backed insurance. Apart from this point, there is no further remarkable difference between the two.

I've heard of a reverse mortgage calculator - what is it?

This is a very useful tool that any lender, no matter which kind you choose, will use to determine your financial standing at the time of your AAG reverse mortgage review. This calculator takes into account the age, condition, and physical location of your home, in order to create an overall picture of what you can and cannot afford and whether you would be eligible for a loan. Because federal laws prevent you from borrowing the full value of your home in the form of a loan, the calculator is also useful in determining what percentage of the total value you would be allowed to borrow.

Do bear in mind, however, that if you already have an existing home loan in place, you would have to settle that amount first, using the funds that have been made available to you in your reverse home loan, before you can access the balance of the funds.

How do I get my money?

You can choose to have the money made available to you in either a lump sum or in a line of credit. If neither of these is to your preference, you can also select to have a set monthly amount paid into your account for as long as there is money available in the loan. You are free to decide which option best suits your needs and lifestyle.

* This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com. 

Tuesday, July 28, 2020

5 ways to #StayStrongStayBeautiful with Watsons

PRESS RELEASE - As lockdown restrictions start to ease, the ‘new normal’ we’ve been living in is slowly starting to change. Do you remember New Year’s Eve when we thought 2020 was going to be an amazing year? Little did we know what horrors we were about to face. Let's be glad that as we adjust to a new way of life, Watsons is here by our side. Read on for some tips and recommendations on how we can all stay strong, stay beautiful, during these times.


Stay Protected
Making your health a top priority is one of the most valuable gifts you can give to yourself. By following good respiratory hygiene, you also protect the people around you from catching viruses such as colds, flu, or even COVID-19. Right now, the best practice for containing the disease are the ones you already know: Wearing a mask, social distancing, washing your hands regularly, and take your vitamins. We supplement our diet with vitamins from Enervon, Stresstabs, and Watsons Generics. We keep our body clean with products from Safeguard and Dove and care of our oral health with products from Listerine, Oral-B and Himalaya.


Stay Prepared
While online shopping isn’t something new, the current health crisis brought about by the COVID-19 pandemic has changed the way people are now purchasing their necessities. It’s a good thing that Watsons has a website where you can order what you need and have it delivered to your doorstep. Our Watsons shopping list always includes brands like Strepsils, Sinecod Forte, Vicks, Solmux, and Biogesic to help relieve the symptoms of common illnesses like colds, cough, and fever.


Stay Glowing
Self-care is important to maintain a healthy relationship with ourselves as it produces positive feelings and boosts our self-confidence and self-esteem. Skincare is a great way to practice self-care. Something as simple as massaging your favorite moisturizer into your skin can relax your mind and soul. Products from Belo, Ponds, Celeteque, Neutrogena, and Dermaction Plus by Watsons can help keep our skin look nourished and glowing.


Stay Gorgeous
While everyone is excited to have their haircuts soon, expect that going to your favorite salon or barbershop will never be the same as before. At-home makeovers seem to be the sensible routine nowadays. Treat yourself with a much-deserved self-care experience using L’Oreal Excellence, Beautylabo, or Naturtint for your dream hair makeover along with Pantene and Naturals by Watsons products to keep your hair healthy and strong.

Stay Dapper
Skincare is not just for women, men need proper grooming and skincare routines too! Men’s skincare is always straightforward and easy. Adidas, Old Spice, and Gillette are brands that offer products to help with men's skincare and grooming needs.


Watsons is always here to provide us with a wide range of health and beauty products to make us look good and feel great. To provide more value to its Watsons Card and Elite members, Watsons is giving free 100 bonus points for a minimum Php1,000 purchase of participating products on select weekends: July 31 to August 1 and August 14 to 15.

Shop now at any branch near you. Check out this list of 700+ Watsons stores open nationwide: bit.ly/Watsons-Stores. You can also order via Watsons call & pick-up or call & delivery service. Here is the list of Watsons stores and contact numbers to call: https://bit.ly/3fsRUeK. You can also shop online at https://bit.ly/WStayStrong-Broadsheet.

For more details, follow @watsonsph on Facebook and Instagram.

ABOUT WATSONS

Watsons is part of the Health and Beauty Store chain of A.S Watson, the largest health, beauty, cosmetics, and perfumery retailer in the world. Today, Watsons H&B Asia is the leading health and beauty chain in the continent with successful operations in 13 markets.

In 2002, A.S. Watson Group joined hands with SM Prime Holdings Inc., the Philippines' leading shopping mall developer. The partnership brought about the first Watsons stores in SM Megamall and The Podium (Ortigas). Watsons now has over 700 stores in the Philippines, serving more than 100,000 customers nationwide.

Watsons strives to ensure that their customers get the best value for their money through monthly promotions, special offers, and continuous consumer marketing programs. Each Watsons store houses nothing but the best brands from top manufacturers all over the world and also carries its own competitively priced, high-quality private labels and brands. With more than 1000 brands ranging from medicines, cosmetics, and fragrances to personal care items and general merchandise, Watsons Your Personal Store delivers only the best health, wellness, and beauty solutions to each and every customer.

*To be featured on Press Release Tuesdays, send it to frances@topazhorizon.com.

Tuesday, June 30, 2020

Eat well, live well, stay well! Ajinomoto asks all Pinoys to join Mag-Pinggang Pinoy Tayo 7-Day Menu Challenge

Ajinomoto sent me a gift pack of their products and asked me to join their Mag-Pinggang Pinoy Tayo 7-Day Menu Challenge. Thanks, Ajinomoto! I love using their Crispy Fry for my fried dishes - super hit with my boys! So I was super happy to get their other products. I've been using them for a few weeks now. Today, I cooked pork mechado and the Pork Savor did add linamnam to my dish! So excited to cook more yummy Pinoy meals now!


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PRESS RELEASE - The COVID-19 Pandemic intensifies the Philippine’s battle against Double Burden of Malnutrition. Double Burden of Malnutrition is defined by World Health Organization (WHO) as “the coexistence of undernutrition along with overweight and obesity, or diet-related non-communicable diseases, within individuals, households and populations, and across the life course.” 

The limited distribution and access to food supplies aggravate the plight of poor and low-income Filipino households to sustain each person’s required nutrients through healthy meals. On the other hand, home confinement due to the mandated community quarantine may cause more people to not only restrict their physical activities but also to overeat and/or consume more food with empty calories as part of coping with stress and/or boredom. 

Just 1 sachet for every half kilo of pork for malinamnam yumminess!

Given the importance of maintaining healthy diets to sustain our health and immunity against viruses and bacteria, we should turn to the practice of Pinggang Pinoy® as a viable safeguard to protect our family from diseases. 

Ajinomoto Philippines Corporation introduced “Mag-Pinggang Pinoy® Tayo 7-day Menu Challenge” as a way to encourage homemakers to serve a variety of balanced meals to their families. Homemakers could access the Mag-Pinggang Pinoy® Tayo 7-day menu plan at www.ajinomoto.com.ph and facebook.com/CookmunitybyAjinomotoPH.

I fry my meat and veggies, add the flavoring, then water, and tomato sauce.

This is part of the company’s “Eat Well, Live Well. Stay Well.” campaign to provide Filipino families with practical tips on proper nutrition, recipe menu, and fitness activities to cope, stay well, and enjoy life despite the current COVID-19 situation. 

Ajinomoto’s 7-day menu plan is composed of complete meals for breakfast, lunch, and dinner. Each meal provides recipe suggestions for Healthy & Delicious Pinggang Pinoy® Recipes that are easy-to-do and affordable. These recipes are simple, solutions to serve enjoyable Pinggang Pinoy® meals. 


Homemakers could make use of their extra time to purchase widely available and inexpensive vegetables and fruits to complement rice beyond the usual supply of canned goods. Ajinomoto’s recipes make common ingredients more palatable like tofu sisig, meaty pechay picadillo, pork tapa and tomatoes, ensaladang talbos ng kamote, sweet and sour galunggong, and many more. Here are three recipe samplers done in three easy steps: 

Meaty Pechay Picadillo 
1) SAUTÉ onion, garlic, and ground pork. Mix in carrots, green peas, and pechay. 
2) SEASON with pepper, soy sauce, and AJI-GINISA® Flavor Seasoning Mix. 
3) COOK for 1 minute more.

Tofu Sisig 
1) FRY tofu until golden brown. Set aside. 
2) SAUTÉ ginger, onion, and garlic, add fried tofu and liver spread and mix well. 
3) SEASON with sugar and PORKSAVOR® All-in-One Seasoning mix and add chili peppers.

Pork Tapa with Tomatoes 
1) MARINATE pork in water, sugar, soy sauce, pepper, and SARSAYA® Oyster Sauce for an hour or overnight. 
2) SAUTÉ onion, garlic, and pork. 
3) BOIL. Pour the marinade mixture and boil until mixture is thick. 

For full recipes and for more information about Ajinomoto and its products, visit www.ajinomoto.com.ph and facebook.com/CookmunitybyAjinomotoPH.

*To be featured on Press Release Tuesdays, send it to frances@topazhorizon.com.

Friday, June 26, 2020

How to tell stories that win the hearts of people

Everyone loves a good story. And everyone has a story to tell. Some people want to share their stories with the world, shouting out loud on blogs, vlogs, and social media. Some people, however, don’t want to be so public so they use anonymous blog sites to share their stories with others online.

Sharing stories that win the hearts of people (a.k.a. viral content) is a talent. If you feel you don't have the talent for this, don't feel bad. You can learn how to tell stories that people will love by honing certain skills. Once you learn these skills, you'll be confident enough to share your stories with your online readers. In today's guest post, you'll find a few tips to gain the best skills to win the hearts of people with your stories.

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GUEST POST - Are you someone who tells stories for other people anonymously? That's called ghostwriting where the stories are shared through the strength of the person or brand you wrote for. But what if you want to tell your own stories but don't want to reveal who you are? How can you make people be interested in your story without making them interested in knowing you? 

Knowing how to tell your story anonymously is a tough deal. Your story must stand on its own. When you’re making an anonymous blog, you need to learn about all the tactics of storytelling to win your reader's heart. Here are some beneficial tips to tell stories that win the hearts of people. 

1. Talk about real things. 

Readers want authenticity. If you cook up a fake story, it will sound false and unrelatable. Only your real stories can make you win the hearts of people. People start developing a feeling of trust and empathy when reading someone’s true story. Don’t make your readers lose trust in your stories. 

2. Don't miss the suspense element. 

What’s the main thing which keeps you engaged in a story? Suspense. It doesn't need to sound like a murder thriller but the secret to keeping your readers engaged enough to read until the last line is to feed them little details throughout. Don't reveal everything. Build up the story before delivering the final statement.

3. Add a human touch to your simple story. 

Whether your story is simple or thrilling, you need to make people feel your experience is relevant to them. You want to make them feel they're not alone. For instance, you can talk about some past experiences which helped you gather confidence to move ahead in life. Your story may be about an ordinary day in your simple life but adding inspiring elements will make it special.

4. Use proper story structure. 

You may have a great story but if you can't tell it properly, people will lose interest and scroll past it. You need to have the basics—good grammar and correct spelling. A good storyteller writing anything from a blog post to a sales pitch knows how to use tone, relatable characters, build conflict, and impart an unforgettable message. 

5. Always have a message. 

Every storyteller knows that the best stories have a lesson. From fairy tales to parables, all the most memorable stories had a profound message. If your story doesn’t have a moral or a message for the readers, then why are you even telling a story! If you want people to remember your story, then it has to have a powerful message they can take away with them.


*This is a guest post, with my edits. To place a guest post, email frances@topazhorizon.com for my rates.

Tuesday, May 19, 2020

Strong immunity is now a top priority: 4 health tips from Watsons


PRESS RELEASE - Our global health situation has affected us critically and required us all to make wellness a top priority. As we turn our attention toward making good health a new way of life, you can count on Watsons to be with you every step of the way. Here are a few recommendations from Watsons on what you can do at home to help keep your immunity strong and your family healthy. 

Be active. 
Exercise has many known benefits such as helping us become fit, improving our mood and helping boost the health of our internal organs. But did you know that staying active also helps strengthen our immunity system? Make sure to allot time for exercise even for at least 30 minutes to one hour a day at least four times a week. Go for exercises you can do with a group like dance or cardio workouts so you can involve the whole family. It can even be cleaning the house or folding clothes. 

Eat right. 
Our diet is important in the overall state of our health. There are plenty of immunity-boosting foods that you can incorporate easily into your daily recipes, from vegetables such as carrots and broccoli to aromatics like garlic and ginger. Additionally, you can also finish your meals with a warm cup of Nutrabliss by Watsons Tea. Tea is also a powerful antioxidant.

Get quality sleep. 
Did you know that getting proper sleep helps increase our defense against sickness? Now that we have more time on our hands, we can sometimes easily sacrifice rest for activities such as binge-watching or staying on up while scrolling through our gadgets. To help avoid this, make sure to set a proper time for sleeping. Manage the household’s schedule and make room for most of your activities in the morning, so the family can sleep soundly at night. 

Take vitamins regularly.
With our current situation, some natural sources of vitamins may be hard to come by. With trips to the grocery stores becoming more challenging, you can count on taking vitamins to strengthen your family’s immunity. We all know Vitamin C is critical for family members of all ages. Pro tip? Stock up on your supply of Watsons Generics Ascorbic Acid.

But Vitamin C isn’t the only vitamin that can keep you healthy, Conzace Soft Gel—rich in Zinc, Vit. A, C, and E—helps boost immunity and promotes healthy hair and skin. Myra E 400IU, on the other hand, is also rich in Vitamin E to help fight cell damage. For the kids, let’s help support their growth not just in height but in strength with Growee Syrup and Cherifer PGM with Zinc capsules.

Like vitamins, supplements are a great way to give your health an extra boost. You can rely on supplements to help provide the nutrients you need on top of maintaining a healthy diet. Given that going back outdoors could mean exposure to environmental factors that may cause damage to our skin and body, make sure you keep that healthy glow from within with supplements like MET Tathione, NU Essence Collagen and Organique Acai Juice. You can also keep your defenses up with supplements that harness the power of natural ingredients such as MX3 capsules and Watsons Generics Malunggay + Mangosteen.

Preparedness is key to protection, so make sure you have your health essentials to help your home stay ready for any health emergency. These include Ascof Forte Syrup, Strepsils, Prosource Extra Virgin Coconut Oil and Biogenic Ethyl Alcohol, know that you can count on these items being available at Watsons.


Watsons is here to continue providing your family's health essentials in any of its stores nationwide. You can also order online at watsons.com.ph or call on select branches to have your orders delivered. For contact details of branches near you, you can check out this list: https://bit.ly/2YMTCT1.

When you shop, use your Watsons Card to earn points and get a chance to win a UV Care Deluxe Germ Terminator, Super Power UV Vacuum or Smart Robot UV Vacuum with a minimum purchase of Php500 on select health items. Promo runs until June 24, 2020.

For more updates, you can also follow us on our social media pages on Facebook and Instagram at @watsonsph. Stay safe and healthy!

ABOUT WATSONS

Watsons is part of the Health and Beauty Store chain of A.S Watson, the largest health, beauty, cosmetics, and perfumery retailer in the world. Today, Watsons H&B Asia is the leading health and beauty chain in the continent with successful operations in 13 markets.

In 2002, A.S. Watson Group joined hands with SM Prime Holdings Inc., the Philippines' leading shopping mall developer. The partnership brought about the first Watsons stores in SM Megamall and The Podium (Ortigas). Watsons now has over 700 stores in the Philippines, serving more than 100,000 customers nationwide.

Watsons strives to ensure that their customers get the best value for their money through monthly promotions, special offers, and continuous consumer marketing programs. Each Watsons store houses nothing but the best brands from top manufacturers all over the world and also carries its own competitively priced, high quality private labels and brands. With more than 1000 brands ranging from medicines, cosmetics, and fragrances to personal care items and general merchandise, Watsons Your Personal Store delivers only the best health, wellness, and beauty solutions to each and every customer.

*To be featured on Press Release Tuesdays, send it to frances@topazhorizon.com.

Monday, May 18, 2020

7 Tips for Keeping Anxious Thoughts at Bay During the Lockdown

GUEST POST - In our everyday life, it's a challenge to keep anxiety at bay. It's especially challenging to not worry during this crazy and scary time. Without being able to go anywhere to change up your environment and take your mind off what is bothering you, keeping anxious thoughts at bay during the lockdown and moving through an anxious experience is critical. 

Here are 7 tips for how you can ease your anxiety during the lockdown: 

1. Establish a routine and stick to it. 
Many of us have a daily routine that was completely turned upside down when the lockdown happened. You need to set up a new routine because routines can establish a sense of normalcy through all this insanity. Sticking to it and taking comfort from the predictability of a schedule, even if it's a new one, can help ease your anxiety.

My new schedule: housewife and mom all day; writer/blogger at night.

2. Free your mind by moving your body. 
To help prevent anxiety and even while going through an anxiety attack, moving your body is especially helpful. Physical exercise is a way to use up all that nervous energy. If you are feeling anxious or restless you can, for example, distract yourself by firing up a few fitness apps you can use with dedicated challenges, such as a 30 Day workout challenge on 30 Day Fitness, as well as HIIT workouts you can do in your home or garden. 

3. Keep your space clean and tidy. 
Your physical space can be a physical representation of anxiety or stress. Clutter can exacerbate feelings of anxiety and overwhelm, as you feel that there is "so much." Keep your space clean and tidy for your mental health. As you clear the physical clutter, you can help to reduce the mental clutter, too! 

4. Try meditation. 
Meditation is a helpful practice to help reduce anxiety and to ground yourself. There are many apps available, such as Insight Timer and Headspace, which give you the option of guided meditations, music, courses, etc. You can also simply practice deep breathing and focusing on your breath. 

I meditate while I do my 15-minute LED light facials. Face prettified, mind cleared!

5. Do not obsess on news coverage. 
The news these days is really upsetting. From incompetent government response and the mounting death rate all over the world to COVidiots who still defend their corrupt leaders and think that the pandemic is a hoax, the coverage is definitely anxiety-provoking. While it is important to be informed, reading numerous articles about the same thing or reading the ‘fear’ stories can really take their toll on your mental health. Choose to only read news from credible media and to limit your exposure to it by turning off social media and doing something else.

6. Find a creative pastime. 
Creativity is a wonderful outlet for all that energy. A common phrase you’ll hear from artists is that their art is where they "get it all out." Your creative pastime is not something you have to be a professional in, but rather one that you enjoy to let your creativity out and get in a state of flow. For example, you could try painting, sketching, writing, photography, crafts, and even rearranging your home décor

I've been cooking, learning how to shade and sketch, and play the piano.

7. Stay together even as you stay apart.
One sad thing about the novel coronavirus is it isolates us from our family and friends. When you feel alone during a scary time, this can add even more stress. It's crucial therefore to maintain contact and connection with your loved ones. Call them up, chat over Messenger, do Zoom calls, or send thoughtful emails.

If you're doing all these and still feel weighed down by worry, seek professional help if you feel the need. Many mental health practitioners are stepping up even more during the pandemic to offer accessible mental health services. If you feel the need or would like additional support, connecting with a professional can be a powerful experience as you manage your own anxiety. 

*This is a guest post written by Mary Davis, a freelance editor and copywriter. To place a guest post, email frances@topazhorizon.com for my rates.

Wednesday, April 08, 2020

How to perfectly brush your teeth and floss with braces

GUEST POST - Do you have questions about cleaning and flossing your teeth with braces? Read on to learn about a simple dental routine that will keep your mouth perfectly clean. 

My teeth were so bad, I had to wear braces for years! 

If you or your child has braces, it can be a challenge to clean them properly. How do you floss between your teeth when the braces themselves are in the way? How do you get rid of food particles if there is a wire barrier preventing access to all parts of your teeth? Not to worry, here are some guidelines to help you find a clean routine to keep those teeth flossed and clean while wearing braces.

Step 1 - Get Ready 

The first step is to get ready to brush. To do this, remove elastics and removable parts of your orthodontic appliances. This step gets all the elements that can be removed out of the way, and makes more space for cleaning. 

Step 2 - Choose the Right Toothbrush 

An electric toothbrush is going to make cleaning your teeth with braces a whole lot easier. Electric brushes also have sensitive modes that go at a slower speed, so you don’t hurt your gums or damage your wires. There are also toothbrushes made especially for people with braces, visit dental clinic in Guelph if having hard time finding the right toothbrush for you. Spindle brushes can get in between your teeth and behind braces to clear plaque and food particles. 

Step 3 - Brush Around Your Braces 

Carefully clean around each brace and under the wires starting with the outside of your teeth. Clean each tooth from top to bottom. It helps to angle your toothbrush to get the best position for cleaning in between and underneath your braces. Once you’ve done the outside focus on the inside of your teeth. 

Family dentists recommend spending at least 2 minutes brushing your teeth to be sure you’ve thoroughly cleaned them of plaque. This is about 1 minute of brushing for the outside of your teeth, and 1 minute of brushing for the inside. Also, be sure to change your toothbrush regularly as braces can cause more wear. 

This was in 2006. I looked so much better after! Braces are my best beauty investment.

Step 4 - Time to Floss! 

Now it may seem impossible to get a thin band of floss in between and underneath those braces, but flossing is an essential part of dental hygiene — with braces or without. 

Waxed floss is much easier to thread in between your teeth and is not as likely to get caught in your braces. Simply thread the floss under the main wire before passing it in between your teeth. Gently move the floss up and down and then repeat for all of your teeth. You can also use a floss threader to make it easier to thread between your teeth. 

Dental tape is also a good option and may be easier to manipulate than floss. Water picks are an even easier option for removing plaque and debris from in between teeth. They spray water between the gaps in your teeth and do an excellent job of removing food particles and plaque buildup. 

Step 5 - Time to Rinse! 

Mouth breathing can cause health problems so it is a good idea to finish off your brushing and flossing with mouthwash. Mouthwash helps kill any bacteria on or between your teeth that you may have missed when brushing or flossing. It also helps keep your breath minty fresh. Find a mouthwash that contains fluoride to help prevent tooth decay and strengthen your enamel. 

If you don’t like the taste of mouthwash, you can also gargle and rinse with saltwater. Saltwater can help with any pain or soreness you might have because of your braces, and it will help keep your teeth clean. 

Follow this routine, and you will have no trouble keeping your teeth and braces perfectly clean.


*
This is a guest post. Guest post writer Katrina Fernandez is a hardworking individual who always gives her best. As a degree holder, she aspires to establish herself within the media industry. Expert in building online partnerships, she's been working in digital marketing services, Local SEO Search Inc. for several years. To place a guest post, email frances@topazhorizon.com for my rates.

Tuesday, April 07, 2020

KooBits brings Singapore Math to Filipino homes!

I truly believe that because of the COVID-19 pandemic, we won't be going back to school anytime soon. So I've been exploring homeschooling and online educational platforms. Koobits sent me this press release and I think it's interesting enough for my kids to use since they're studying Singapore Math in school. Check it out, mamas!


PRESS RELEASE - Award-winning Singapore-based EdTech startup KooBits, announced the launch of two new products: ‘Home-Based Learning’, an online mathematics learning platform, and ‘Live Tutoring’, an AI-enabled online live tutoring service — both with accompanying apps for parents to track learning progress. This is the first official launch of KooBits e-learning products to the consumer market, catering to parents and kids across households in the Philippines and beyond.

KooBits is the most engaging website in the e-learning category in Southeast Asia. It already sees enthusiastic use among over 150,000 children worldwide, with more than 20,000 children voluntarily spending time on the platform to learn every day.


“KooBits has always been dedicated to fostering higher-order thinking skills and problem-solving capabilities in the leaders of our next generation. Our new offerings provide more ways for parents to keep track of their child’s learning progress, ensuring parents are more involved in their child’s development. We are bringing the tried and tested methods from our work with schools right into your households to enrich your child’s maths education with a personalised and engaging online curriculum.” said Stanley Han, CEO of KooBits. 

Their school-based product 'KooBits ProblemSums' helps children build a deep understanding of maths via the acclaimed Singapore Maths pedagogy. It is one of the most widely-used and successful EdTech solutions in the region and beyond, with 361 schools using the system. 


AI-based education tools to foster independent, self-motivated learners 

Both of the KooBits products — ‘Home-Based Learning’ and ‘Live Tutoring’ — utilise AI to provide effective learning solutions for children. The KooBits platform uses its personalization technology and gamification to support students to learn on their own; and at the same time, uses AI and big data to generate learning insights and make them visible to parents and teachers. 

‘Home-Based Learning’ comes with access to unlimited worksheets with full solutions, and comprehensive video tutorials. These tutorials are based on the tried and tested Concrete-Pictorial-Abstract (CBA) approach, which is the model used by Singapore’s education system. This ensures that children do not simply rote-memorise the steps to solving a problem, but are able to visualise and understand the underlying concepts. Once they have mastered the concepts, they are also able to test their skills against their peers with fun activities and friendly competitions, gaining a mastery of the school syllabus from the comfort of their homes. 

‘Live Tutoring’ provides an affordable home learning alternative compared to the industry average. Through a short pre-class assignment that is part of every session, the platform automatically identifies each child’s weaknesses and gaps in learning, and automatically groups them, so tutors can personalise their lesson and address relevant issues for the students during each class. 

The platform also enables assignment of homework to follow up on the concepts that require reinforcement, to ensure that understanding has been achieved. As a result, each tutoring session is customized according to the child’s needs — generating a personalized learning pathway that maximises their strengths, and rectifies their weaknesses. 

Parents can also keep track of their child’s progress, gaining an insight into their child’s strengths and weaknesses. They can monitor what milestones their children have reached in relation to the national syllabus, and can also benchmark their child’s progress against their peers. Armed with this knowledge, they can gently guide their child’s learning pathway, without impinging on their independence. 





Making home-based learning easier and accessible to all 

With ‘Home-Based Learning’ and ‘Live Tutoring’, parents are able to enroll their children in the programmes and are no longer dependent on the school adopting the KooBits system. These new home-based products give parents access to the insights on their child’s learning progress — something that only teachers had access to previously. 

Furthermore, in order to help parents and educators cope with the transition to fully home-based learning, KooBits is making their 'KooBits Weekly Homework' program — that was previously only offered to partner schools — available to everyone at zero cost, at https://www.koobits.com/public. This free service will be open for all till the end of this academic year. 


To ensure the continuity of high-quality education outside the classroom, KooBits has engaged experienced teachers to hand-pick and set questions for interested students in the form of structured formative and summative assessments on a twice-weekly basis. This not only gives students relevant and timely revision, but also presents parents with data on how their child is performing relative to the cohort. 

Stanley said, “We understand that this is a trying period for both parents and children, with a lot of uncertainty surrounding education. We hope that our platform, which encourages children to self-pace and self-direct their own learning, can put their minds at rest when it comes to at-home maths education.” 

With the objective of further democratizing education and helping to accelerate the migration towards online teaching and learning, KooBits plans to offer their e-learning system to all tuition centres by the end of the second quarter of 2020. They are also working on Science education programs, set to roll out in the second quarter of the year. 

Find out more about KooBits at https://www.koobits.com/.

*To be featured on Press Release Tuesdays, send it to frances@topazhorizon.com.